SFR Delinquency Rate this 2nd Quarter of 2017 is at 3.68% reflecting a 19.8% decrease from year ago, Mortgage Rate Reading for 28th of September is 3.83% for 30 yr, 3.13% for 15 yr, 3.20% for 5 yr and Mortgage Applications decreased by 0.5% for the week ending September 27, 2017

New privately owned housing units increased to 1,135,000 in September 2017 reflecting a 6.9% increase from year ago. New one family houses sold in US increased to 667,000 units with 17.0% increase from year ago and Mean Sales Price of Existing Homes decreased to $286,700 with 12.6% decrease from month ago

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1) Taxable income needs to have dropped 20%+ before the Bankruptcy,Short Sale,Deed In Lieu,Foreclosure.Lets say BK was in 2013,was the taxable income in any one preceding year 20%+ less than the immediate previous year .